# Borrowed from a financial institution or used a credit card, adults

Percentage of respondents aged 15 and over who borrowed money from a bank or similar financial institution or used a credit card in the past 12 months. Includes card use, not bank borrowing alone; excludes borrowing through mobile money alone.

## Key facts

- Borrowed from a financial institution or used a credit card, adults in the United States was 66.2% in 2021, according to the World Bank.
- Canada had the highest borrowed from a financial institution or used a credit card, adults of 144 countries in 2017, at 82.83%, and Uzbekistan the lowest, at 2.36%. Source: the World Bank.
- Published for 158 places, with figures from 2014 to 2024.
- Figures last updated on 2026-10-12.

- Indicator id: `borrowed_formally_adults`
- Unit: %
- Note: Global Findex survey estimates for people aged 15 and over, or the named subgroup. Percentages use all respondents in that population, not only savers, borrowers or account owners. Only published survey years are stored; no values are interpolated or carried forward. The 2025 edition reports 2024 fieldwork. Some earlier-wave surveys were conducted in 2022; the publisher year labels are retained. In 2024, account and debit-card ownership were asked more widely than other financial-use questions, so available years vary by measure and economy. Survey coverage and questions can change between waves.
- Web page: https://invokely.ai/en/borrowed-formally-adults
- API: https://invokely.ai/api/v1/indicators/borrowed_formally_adults

## Latest figures

| Place | Period | % | Source |
|---|---|---:|---|
| United States | 2021 | 66.2 | World Bank, Global Findex Database. Global Findex: Borrowed from a formal bank or similar financial institution  (% age 15+) (fin22a). https://api.worldbank.org/v2/country/all/indicator/fin22a?format=json&per_page=20000&date=2011:2024&source=28. Retrieved 2026-10-12. Licensed under CC BY 4.0. |

## Rankings

- [Countries](https://invokely.ai/rankings/borrowed-formally-adults/countries.md) (158 places)
- [EU countries](https://invokely.ai/rankings/borrowed-formally-adults/eu-countries.md) (27 places)